2019 Subaru Legacy Car Insurance Calculator

Learn in real-time how decisions you make impact the insurance cost for a 2019 Subaru Legacy. Play around with factors like driving record, coverage levels, mileage driven, and vehicle usage. Instantly know if the selections you make raise or lower your rate.

The average estimated car insurance premium for a 2019 Subaru Legacy is $1,886 per year, or about $157 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,886

Cost Per Month

$157

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Subaru Legacy Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2019 Subaru Legacy.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,886
Average Rate
Your Rate
$1,886

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2019 Subaru Legacy trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2019 Subaru Legacy is $1,886.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2019 Subaru Legacy vs. the Midsize Car Segment

The table below compares insurance rates for the 2019 Subaru Legacy against all other models in the midsize car segment. The Subaru Legacy is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Subaru Legacy, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Subaru Legacy.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2019 Subaru Legacy Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Honda Insight$1,662-$224
2Buick Cascada$1,738-$148
3Buick Regal$1,866-$20
4Subaru Legacy$1,886--
5Kia Optima$1,910$24
6Toyota Camry$1,914$28
7Volkswagen Passat$1,924$38
2019 Midsize Car Average$1,973$87
8Buick LaCrosse$1,978$92
9Chevrolet Malibu$1,980$94
10Honda Accord$1,994$108
11Nissan Altima$2,040$154
12Hyundai Sonata$2,058$172
13Tesla Model 3$2,064$178
14Ford Fusion$2,100$214
15Volkswagen Arteon$2,172$286
16Kia Stinger$2,280$394

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2019 Legacy Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2019 Subaru Legacy.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2019 Subaru Legacy Insurance Rates by Trim Level
2019 Subaru Legacy Trim Level Annual Premium Cost Per Month
2.5I AWD$1,752$146
2.5I Premium AWD$1,848$154
2.5I Sport AWD$1,878$157
2.5I Limited AWD$1,946$162
3.6R Limited AWD$2,004$167

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2019 Subaru Legacy for different driver ages.

2019 Subaru Legacy Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,843$570
17$6,621$552
18$5,923$494
19$5,385$449
20$4,112$343
21$3,919$327
22$3,502$292
23$2,866$239
24$2,708$226
25$2,192$183
30$2,008$167
35$1,936$161
40$1,886$157
45$1,762$147
50$1,672$139
55$1,564$130
60$1,568$131
65$1,674$140
70$1,814$151
75$2,144$179
80$2,654$221

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Subaru Legacy trim levels.